In Missouri, if you’re hit by an uninsured driver you’re allowed to file a claim on your uninsured motorist policy, or UIM. By state law, you’re required to have insurance on your vehicle. If you’re hit by someone that’s uninsured you’re claiming on your own uninsured motorist coverage.
In Missouri, one thing that is important to understand about uninsured motorist coverage is a lot of times you can stack that coverage. Say you have more than one car and you have uninsured motorist coverage on all of your vehicles. You stack that. If you have $25,000 on four different cars you can stack that and lot of times if you have four cars you would up your coverage from $25,000 to $100,000. As a Chesterfield car crash attorney can explain, that’s something important to remember about uninsured motorist coverage.
There is also underinsured motorist coverage, which lot of times people will confuse with uninsured coverage. Underinsured, commonly referred as UM, and is optional in Missouri. You can buy it, and it’s always recommended that have UM coverage, because it’s pretty cheap coverage to have and it’s good coverage to have. If you’re involved in a serious accident and you’re hit by an individual who has minimum coverage that may only have $25,000 and your car is damaged, it could be well over that amount so then you can claim it on your underinsured motorist coverage and lot of times that coverage is stackable as well.
If you’re hit by someone that’s uninsured or underinsured, typically it always falls on your own insurance so that’s why it’s always good to have high coverage on your vehicles so you’re protected from the other guy that may hurt or injure you or your family.
If you have been injured in a vehicle collision, it is important to speak with an experienced attorney right away. The insurance companies will try to settle for far less than you are owed, and they will try to get you to say things that will hurt your case. There is also evidence to be collected, investigation to be done, and you need to make sure that you get proper medical treatment right away.
At The Law Offices of Kevin J. Roach, we believe in getting to know our clients and dedicating ourselves to meeting their needs. We recognize that a “one size fits all” approach is inadequate to serving their best interests. Each time we take on a new client, we focus on what makes their case unique, and we use all of the available facts and resources to do what it takes to win the case.
Our law practice is dedicated to representing individuals and families that are suffering as a result of serious injuries or wrongful death. If you or a loved one has been injured in a vehicle collision, workplace injury, or other accident, you can count on Missouri attorney Kevin Roach to fight for the compensation you deserve.
At The Law Offices of Kevin J. Roach, we are dedicated to providing personal attention and aggressive representation to meet each and every one of our clients’ needs. To schedule a free, no-obligation case review with Missouri personal injury attorney Kevin Roach, contact us today.